1. Acceptance of Terms
Welcome to Hoosier Life Insurance. By accessing or using our website, services, or submitting any information through our forms, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
These Terms constitute a legally binding agreement between you and Hoosier Life Insurance. We reserve the right to modify these Terms at any time, and your continued use of our services after such modifications constitutes acceptance of the updated Terms.
2. Description of Services
Hoosier Life Insurance provides insurance quote comparison, consultation scheduling, and educational services related to life insurance, annuities, and related financial products in Central Indiana. Our services include:
- Online quote request forms and calculators
- Appointment scheduling and consultation services
- Educational content about insurance products
- SMS and email communications regarding insurance options
- Connection to licensed insurance agents and carriers
We act as an intermediary to connect consumers with appropriate insurance solutions and licensed professionals. We do not directly underwrite or issue insurance policies.
3. SMS & Text Message Terms
3.1 Consent to Receive Text Messages
By providing your mobile phone number and checking the SMS consent checkbox on any form on this website, you expressly consent to receive automated marketing text messages, appointment reminders, quote information, and service updates at the phone number you provided.
Your consent is not a condition of purchase. You may still receive our services without agreeing to receive text messages.
3.2 Message Frequency
Message frequency varies depending on your interaction with our services. You may receive up to 10 messages per month, including appointment confirmations, quote follow-ups, and promotional offers.
3.3 Message and Data Rates
Message and data rates may apply. Standard text messaging rates from your wireless carrier will apply to all messages sent and received.
3.4 How to Opt-Out
You may opt-out of receiving text messages at any time by replying with any of the following keywords:
- STOP
- END
- CANCEL
- UNSUBSCRIBE
- QUIT
After you send an opt-out message, you will receive one final confirmation message. You will not receive any further messages unless you re-opt-in.
3.5 Help and Support
For help, reply HELP to any text message, or contact us at:
- Phone: (317) 648-2983
- Email: info@hoosierlifeinsurance.com
3.6 Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages. Supported carriers include AT&T, Verizon Wireless, T-Mobile, Sprint, and other major U.S. carriers.
3.7 TCPA Compliance
We comply with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state regulations regarding automated text messaging. We will only send messages to numbers for which we have received express written consent.
4. No Insurance Advice Disclaimer
The information provided on this website is for general informational and educational purposes only. It does not constitute professional insurance advice, financial planning advice, or a recommendation to purchase any specific insurance product.
Before making any insurance decisions, you should:
- Consult with a licensed insurance professional
- Review all policy documents and terms carefully
- Consider your specific financial situation and needs
- Seek independent legal or financial advice if necessary
5. Limitation of Liability
To the fullest extent permitted by law, Hoosier Life Insurance, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, business interruption, or personal injury.
Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, and design elements, is the property of Hoosier Life Insurance or its content suppliers and is protected by applicable intellectual property laws.
You may not reproduce, distribute, or modify any content from this website without our express written permission.
7. Third-Party Links and Services
Our website may contain links to third-party websites. We have no control over, and assume no responsibility for, the content or practices of any third-party websites. We do not endorse any third-party content.
8. User Conduct & Prohibited Activities
You agree not to use our services for any unlawful purpose. Prohibited activities include:
- Providing false or misleading information
- Impersonating any person or entity
- Attempting to gain unauthorized access to our systems
- Transmitting viruses or other harmful code
- Violating any applicable laws or regulations
9. Governing Law and Jurisdiction
These Terms shall be governed by the laws of the State of Indiana, United States. Any legal action shall be brought exclusively in the state or federal courts located in Marion County, Indiana.
10. Changes to These Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the "Last Updated" date on this page. Your continued use of our services after any changes constitutes acceptance of those changes.
11. Contact Information
If you have questions about these Terms, please contact us:
Hoosier Life Insurance
Indianapolis, IN 46256
Phone: (317) 648-2983
Email: info@hoosierlifeinsurance.com
Hours: Mon–Fri 9AM–5PM · Sat 8AM–1PM EST
Acknowledgment
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.